Date Received: 2022-02-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I having a problem with portfolio recovery debt collector. I have told them on multiple times over the phone to please stop contacting me and that the two collection accounts are not mine but they keep calling at least 20x a day
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete the following ACCOUNT from my credit report immediately.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I don't owe anything to PORTFOLIO RECOVERY ASSOCIATES with account number XXXX and XXXX. They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Company Response:
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XX/XX/XXXX 12 times with in XXXX min. XX/XX/XXXX 11 times between XXXX XXXX to XXXX XX/XX/XXXX 9 times between XXXX to XXXX XX/XX/XXXX 7 times between XXXX to XXXX XX/XX/XXXX 11 times between XXXX to XXXX This has been a continuous thing for the last several months to where it is disruptive to daily phone calls and daily life while trying to make and receive phone calls. Sometimes this is up to XXXX times a day. The name of the company is Portfolio Recovery and XXXX XXXX. IF needed I do have screens shots of this happened as well as having to pay for XXXX XXXX XXXX call protect.
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not know what type of debt this is and I know that I did not open any accounts with XXXX in XXXX. XXXX said in XX/XX/XXXX that I have never held any accounts with them. I received no help from them in getting this off my credit report because the managers I spoke with said I never had a credit card or any other kind of account with them. They refused to help me further since I was not an account holder. As a result, I opened a checkings account. Every representative I have met with has told me there are no other accounts in their system with my personal information and that includes closed accounts. A fraud investigation was opened and I learned that my online banking preferences were being ignored. XXXX representatives said they did not know why I was receiving 10-20 letters from them in a week. I brought every batch of letters unopened to a branch location. The employees said there wasnt anything they could do and they documented the issue. XXXX has never verified if the letters were from them or were fraudulent. All I know is that XXXX could not figure out why my opt out preferences were being over ridden and they dont know why I received duplicates of statements and in some instances I received an entire new batch of letters that I had already received months prior. XXXX waives my monthly account fee while they resolve the incident. My fee was waived for this months billing cycle. I dont know if the XXXX account issue detailed above is related or not. The only XXXX information I have is from the account I opened in XXXX. Please note that the rep misspelled my name and that issue is pending correction. The name on the account is XXXX XXXX. If someone has an account with XXXX that uses my information, could that be the reason that my account is not functioning as designed? Are my preferences overrriden by another account? Or is someone accessing my account without my knowledge because they have my SSN and birth date? Am I listed on any other accounts? The debt is with Portfolio Recovery Associates. The only information they provide is XXXX XXXX reported XX/XX/XXXX, XXXX. The amount has not changed since initial collection attempts and is {$2200.00}. XXXX is XXXX. XXXX XXXX XXXX XXXX XXXX VA XXXX.
Company Response:
State: VA
Zip: 22207
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: This fall my husband and I were applying for a business loan and we found 3 collections notices on my credit account. 1 for XXXX, 1 for XXXX, and one for a XXXX account XXXX They all 3 were started/applied for in XXXX XXXX XXXX I have not resided in or been to this area of the US. I am from XXXX XXXX and have lived in XXXX since XX/XX/XXXX. None of these are mine. We called our attorney XXXX XXXX and he helped us file fraud claims and a police report here in XXXX. We attempted to file a police report in XXXX XXXX but the officers there would not take the report and referred us to XXXX due to that being where we live. Police report number ( XXXX XXXX Police Case # XXXX ) - Photo attached. The XXXX and XXXX accounts were quickly removed and resolved. Portfolio recovery has been challenging. We have called multiple times to try to get a fraud claim filed in XX/XX/XXXX. After several tries and agents we believe a fraud claim was filed. We waited a month and received a letter from XXXX XXXX asking to confirm the fraud claim. On XX/XX/XXXX we called XXXX XXXX, confirmed the claim. After the call we checked our credit only to see that PRS ( Portfolio Recovery Services ) had closed the file indicating resolution. No instance of fraud was indicated. I called shortly after seeing this and spoke with 3 very difficult and misdirecting employees, one was a supervisor who would not give her name. All three claim no fraud was filed and we would need to refile. Our XXXX XXXX letter indicated otherwise contradicting their assertion. I do not have confidence that PRS is interested or willing to follow through on this fraudulent claim for collections. We have clear evidence and documentation to show this is too. Our business is being adversely effected by their unwillingness to resolve this in a timely and effective manner.
Company Response:
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RESUBMISSION : I reached out to portfolio for the first time to acquire validation on an alleged account reporting to my file. They sent back a letter the first time stating " They had electronic files and If I wanted to see them to request it. '' Funny this is, is that my first letter to them was requesting the documents that they had on file to " validate the account. '' I reached out to them again ( as you can see from the green slips attached ) and I never received a response from them. I also filed an original complaint XX/XX/2022 and it was closed without being looked into.
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is an UPDATE with new information. Pursuant to 15 USC 1692g, I requested a reinvestigation of my consumer report for accurate and fair reporting. I still have not been furnished with ORIGNIAL copies of my contract signed with my SIGNATURE on it. Instead, I have received statements, which does not indicated that those are my accounts. The company is in violation of 15 USC 1692g, as I, as the consumer, did not verify the accuracies. The " statements '' showed that the accounts are accurate. Who confirmed it? Only I as the consumer have the right to verify if an account is mine. I also requested no XXXX verifications. The company is also in direct violation of 15 USC 1681 because it states that FAIR AND ACCURATE reporting. Also according to 15 USC 1681i ( 5 ) ( A ), the information on my consumer report is supposed to be REMOVED if it is not verified. And only I as the consumer can verify the information, as I am the one who " signed '' the alleged contracts. Also pursuant to 15 USC 1681n, I am entitled to monetary compensation PER VIOLATION due to willful negligence of the company not properly responding to my request as a consumer. I WILL exercise my rights as a consumer and pursue the matter in court if need be.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I sent a cease and desist letter to Portfolio Recovery Associates tracking number XXXX XXXX XXXX XXXX XXXX, which is attached to this complaint ; and I also opened a complaint with the CFPB complaint # XXXX. In that complaint they stated they have no record of receiving any communication from when they originally acquired this alleged debt. I never received any communication from them via mail or email about an alleged debt. So when I realized it was on my credit report, I sent the cease and desist letter. Even if I had received the letter under the 15 USC 1692c ( c ) I never gave Portfolio Recovery Associates permission to contact me regarding this alleged debt. As I stated in the previous complaint I am requesting that Portfolio Recovery cease communication with me on any and all mediums included but not limited to : ALL consumer reporting agencies, social media, mail, email etc. This is the second attempt that I have made for them to remove this tradeline from my consumer report. Portfolio Recovery is violating my federally protected rights and this is not right and it is unlawful. STOP COMMUNICATING WITH ME AND REMOVE THIS TRADELINE FROM MY CONSUMER REPORTS IMMEDIATELY. I am holding Portfolio Recovery Associated civilly responsible for violating my federally protected right. Under 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. This tradeline appears on my XXXX and my XXXX consumer report, which makes Portfolio Recovery Associates responsible for 2 violations.
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A